IFC Mobile Money Study 2011
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Washington, DC
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Although a number of m-money businesses
have emerged around the world, few have reached significant
scale. Overall, m-money uptake is limited when contrasted
with its apparent promises of reaching the unbanked and
underserved, of servicing existing banking clients, and of
being a means for a cashless society. This study examines
the following in more detail: existing major money flows and
the critical mass of low-value, high-volume payment
transactions and whether m-money can be used for them (i.e.,
potential demand); regulatory environment and major
obstacles for m-money uptake; business models of partnering
institutions; payment behavior of users and nonusers (banked
and unbanked), in particular where they receive funds and
how they use money, including alternative means; and
existing and potential agents networks, their requirements
to run m-money as a viable business, and their training
needs. This report provides detailed information regarding
the five main topics as they relate to Brazil, business
models, money flows and demand, potential user perceptions
and behavior, regulation, and agent networks.
Palabras clave
ACCESS TO ATMS, ACCESS TO BANK ACCOUNTS, ACCESS TO CREDIT, ACCESS TO FINANCE, ACCESS TO FINANCIAL SERVICES, ACCOUNT HOLDERS, ACCOUNTING, ADMINISTRATIVE COSTS, ADVANCED TECHNOLOGY, ADVISORY SERVICES, AFFILIATES, AGRICULTURAL ACTIVITIES, ALTERNATIVE CREDIT, B2B, BALANCE INQUIRY, BANK ACCOUNT, BANK ACCOUNTS, BANK BRANCH, BANK BRANCHES, BANK CUSTOMERS, BANK OF THAILAND, BANKING INDUSTRY, BANKING SECTOR, BANKING SERVICES, BANKING SYSTEM, BANKS, BAR CODE, BUSINESS DEVELOPMENT, BUSINESS MODEL, BUSINESS MODELS, BUSINESS STRATEGIES, BUSINESS TO BUSINESS, BUSINESS TRANSACTIONS, BUSINESS-TO-BUSINESS, BUSINESS-TO-EMPLOYEE, CABLE TV, CAPABILITIES, CAPABILITY, CASH WITHDRAWAL, CELL PHONES, CENTRAL BANK OF SRI LANKA, CHECKING ACCOUNT, CHECKING ACCOUNTS, CLEARING HOUSES, COMMERCIAL BANKS, COMMUNICATIONS TECHNOLOGY, CONSUMER CREDIT, CONVENIENT PAYMENT, CORRESPONDENT BANKS, CREDIT ANALYSIS, CREDIT CARD, CREDIT CARD COMPANIES, CREDIT CARDS, CREDIT COOPERATIVES, CREDIT MARKET, CREDIT RATING, CREDIT RATING AGENCY, CREDIT SOCIETIES, CREDITS, CURRENT ACCOUNTS, DATA ANALYSIS, DEBIT CARD, DEBIT CARDS, DEMAND DEPOSITS, DEMAND FOR CREDIT, DEPOSIT, DEPOSIT ACCOUNT, DEPOSIT INSURANCE, DEPOSITS, DEVELOPMENT BANK, DISTRIBUTION NETWORK, E-MONEY, E-PAYMENT, EARNINGS, ECONOMIC DEVELOPMENT, ECONOMIC GROWTH, ECONOMIES OF SCALE, EDUCATIONAL CAMPAIGNS, ELECTRICITY, ELECTRONIC COMMERCE, ELECTRONIC MONEY, ELECTRONIC PAYMENT, ELECTRONIC WALLET, EMPLOYEE, EQUIPMENT PURCHASE, EXCHANGE RATE, FACILITATION, FAMILIES, FAMILY BUSINESS, FARMERS, FINANCIAL ACCESS, FINANCIAL DATA, FINANCIAL EDUCATION, FINANCIAL INSTITUTIONS, FINANCIAL LITERACY, FINANCIAL SERVICE, FINANCIAL SYSTEM, FIRST CREDIT, FORMAL ECONOMY, FORMAL FINANCIAL SERVICES, GENDER, HOUSEHOLD INCOME, HOUSEHOLDS, ICT, ID, IDENTIFICATION NUMBER, IDENTITY MODULE, INCOME GROUP, INCOME GROUPS, INEQUALITY, INFLATION, INITIAL CREDIT, INSTALLMENT, INSTALLMENTS, INSTITUTIONAL DEVELOPMENT, INTEREST RATE, INTEREST RATES, INTERNATIONAL FINANCE, INTERNATIONAL LAW, INTEROPERABILITY, INVESTMENT OPPORTUNITIES, LARGE CITIES, LEGISLATION, LENDER, LICENSE, LICENSES, LOAN, LOAN APPLICATIONS, LOAN REQUESTS, LOTTERIES, LOW-INCOME FAMILIES, MARKET OPPORTUNITY, MARKET SEGMENT, MARKET SEGMENTS, MARKET SHARE, MARKET SHARES, MARKETING STRATEGY, MASS MARKET, MASS TRANSIT, MATERIAL, MEDIUM ENTERPRISES, MERCHANT, MERCHANTS, METROPOLITAN AREAS, MFI, MFIS, MICROCREDIT, MICROFINANCE, MICROFINANCE INSTITUTION, MICROFINANCE INSTITUTIONS, MIGRATION, MINIMUM WAGE, MINIMUM WAGES, MOBILE ACCESS, MOBILE COMMUNICATIONS, MOBILE NETWORK, MOBILE PHONE, MOBILE PHONES, MONEY TRANSFER, MONEY TRANSFERS, MUNICIPALITIES, NET SAVINGS, NETWORKS, NEW BUSINESS, NEW COMPANY, NEW ENTRANTS, NEW TECHNOLOGIES, NICHE MARKET, NONBANKS, OUTREACH, OUTSTANDING BALANCES, PARTNER BANK, PAYMENT CARD, PAYMENT CARDS, PAYMENT METHODS, PAYMENT PROCESSING, PAYMENT SYSTEM, PAYMENT TRANSACTIONS, PEER REVIEW, PENETRATION RATE, PENSION FUND, PERSONAL DATA, POINT OF SALE, POINT-OF-SALE, PRIVATE INVESTORS, PRIVATE SECTOR, PRIVATE SECTOR BANK, PRIVATE SECTOR BANKS, PROFITABILITY, PROJECT MANAGEMENT, PUBLIC TRANSPORT, QUERIES, RECEIPT, REGULAR PAYMENTS, REGULATORY ENVIRONMENT, REGULATORY FRAMEWORK, REGULATORY OVERSIGHT, RELIABILITY, REMITTANCE, REMITTANCES, RETAIL BANKING, ROAD TOLLS, SAVINGS, SAVINGS ACCOUNTS, SAVINGS BEHAVIOR, SAVINGS PRODUCTS, SAVINGS RATE, SEARCH, SECURITIES, SERVICE PROVIDER, SERVICE PROVIDERS, SMALL BUSINESSES, SOCIAL DEVELOPMENT, SOCIAL SECURITY, SUBSIDIARY, SUPERMARKETS, SUPPLY CHAIN, TECHNICAL ASSISTANCE, TELECOMMUNICATIONS, TELECOMMUNICATIONS EQUIPMENT, TELEPHONE, TELEPHONE SERVICE, TELEVISION, TRANSMISSION, UNEMPLOYMENT, UNEMPLOYMENT INSURANCE, UNION, URBAN AREAS, URBANIZATION, USER, USERS, VALUE CHAIN, VOUCHERS, WEB, WEB SITE, WIRELESS APPLICATION PROTOCOL